At the suggestion of our mortgage lender we called CFCCS and began a debt managment hardship program in August.in May checks were not posting to creditors on time and I began questioning them.
As of October I had 4 of the 6 creditors missing two payments. They agreed to do a check trace and then never returned my calls or emails. Once I did speak with them, there was always an excuse.
I stopped our ACH payments to them and began to pay creditors on my own. Three of these creditors dropped us from the program stating I was not paying ontime. We now have late fees and higher interest rates.
I requested contact from CFCCS and asked for numbers to contact their legal dept. And accounting and now no one will get back to me. I have about $1,340 that I payed CFCCS and they did not pay my creditors. I Need help. Due to this we have to file bankruptsy. Creditors continue to blame us for these missing checks even though I have proof I have made payment to CFCCS. They also will not work with us unless we use a third party credit counceling service. We did and look what it got us!
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